Call reports 2009
SIMSBURY BANK AND TRUST COMPANY, INC., THE — 2009
What SIMSBURY BANK AND TRUST COMPANY, INC., THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 259,863,000 | 265,774,000 | 286,735,000 | 273,663,000 |
| Total loans | 181,207,000 | 178,518,000 | 195,253,000 | 193,381,000 |
| Allowance for loan losses | 2,061,000 | 2,132,000 | 2,138,000 | 2,211,000 |
| Securities available for sale | 44,900,000 | 54,390,000 | 57,986,000 | 51,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,737,000 | 243,413,000 | 264,011,000 | 250,938,000 |
| Interest-bearing deposits | 200,413,000 | 202,403,000 | 223,503,000 | 206,559,000 |
| Noninterest-bearing deposits | 37,324,000 | 41,010,000 | 40,508,000 | 44,379,000 |
| Equity capital | 20,223,000 | 20,390,000 | 20,840,000 | 20,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,841,000 | 5,735,000 | 8,712,000 | 11,797,000 |
| Interest expense | 825,000 | 1,555,000 | 2,238,000 | 2,823,000 |
| Net interest income | 2,016,000 | 4,180,000 | 6,474,000 | 8,974,000 |
| Noninterest income | 249,000 | 614,000 | 984,000 | 1,332,000 |
| Noninterest expense | 1,995,000 | 4,121,000 | 6,429,000 | 8,798,000 |
| Provision for loan losses | 52,000 | 130,000 | 322,000 | 547,000 |
| Pretax income | 218,000 | 543,000 | 747,000 | 1,000,000 |
| Income tax | 64,000 | 155,000 | 192,000 | 246,000 |
| Net income | 154,000 | 388,000 | 555,000 | 754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,345,000 | 20,445,000 | 20,454,000 | 20,495,000 |
| Total capital | 22,364,000 | 22,464,000 | 22,568,000 | 22,512,000 |
| Risk-weighted assets | 161,506,000 | 161,402,000 | 169,109,000 | 161,194,000 |